Securities purchased under resale agreement

üý þ ÿ ü ÿ ÿ ÿ ÿ ý þ CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 552 – Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas

kredit lanjutan a. By type, currency, and loan quality continued 2011 Tidak Mengalami mengalami penurunan penurunan nilai dan nilai dan penilaian penilaian secara secara kolektif dan kolektif individual Non-impaired Impaired and and collectively and collectively individually Jumlah assessed assessed Total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 2,585,902 33,194 2,619,096 Consumer loans Kredit modal kerja 461,151 14,418 475,569 Working capital loans Kredit investasi 61,906 8,703 70,609 Investment loans Sub jumlah 3,108,959 56,315 3,165,274 Sub total Dolar Amerika Serikat United States Dollar Kredit modal kerja 66,358 - 66,358 Working capital loans Kredit investasi 3,442 - 3,442 Investment loans Sub jumlah 69,800 - 69,800 Sub total 3,285,461 56,315 3,341,776 Dikurangi: Cadangan kerugian penurunan Less: Allowance for nilai 10,710 19,145 29,855 impairment losses Jumlah 3,274,751 37,170 3,311,921 Total 2010 Tidak mengalami Mengalami penurunan penurunan nilai nilai Jumlah Unimpaired Impaired Total Pihak berelasi Related parties Rupiah Rupiah Kredit konsumsi 78,689 - 78,689 Consumer loans Kredit modal kerja 33,937 - 33,937 Working capital loans Kredit investasi 1,204 - 1,204 Investment loans Sub jumlah 113,830 - 113,830 Sub total Dolar Amerika Serikat United States Dollar Kredit modal kerja 205,081 - 205,081 Working capital loans Sub jumlah 205,081 - 205,081 Sub total Pihak ketiga Third parties Rupiah Rupiah Kredit konsumsi 1,866,788 31,538 1,898,326 Consumer loans Kredit modal kerja 258,863 14,794 273,657 Working capital loans Kredit investasi 33,092 8,404 41,496 Investment loans Pinjaman rekening koran 20,287 276 20,563 Demand loans Lainnya 2,469 - 2,469 Others Sub jumlah 2,181,499 55,012 2,236,511 Sub total CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 553 – Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan

10. LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas

kredit lanjutan a. By type, currency, and loan quality continued 2010 Tidak mengalami Mengalami penurunan penurunan nilai nilai Jumlah Unimpaired Impaired Total Pihak ketiga lanjutan. Third parties continued. Dolar Amerika Serikat United States Dollar Kredit modal kerja 360 - 360 Working capital loans Sub jumlah 360 - 360 Sub total 2,500,770 55,012 2,555,782 Dikurangi : Cadangan kerugian penurunan Less : Allowance for nilai 24,533 23,834 48,367 impairment losses Jumlah 2,476,237 31,178 2,507,415 Total Rasio kredit yang mengalami penurunan nilai bruto dan neto pada tanggal 31 Desember 2012 masing-masing adalah 2,08 dan 1,40 2011: 1,69 dan 1,11 dan 2010: 2,15 dan 1,22. Gross and net impaired loan ratio as at 31 December 2012 are 2.08 and 1.40, respectively 2011: 1.69 and 1.11 and 2010: 2.15 and 1.22. Klasifikasi pinjaman yang diberikan yang mengalami penurunan nilai berdasarkan jenis: Classification of impaired loans and based on type on loans: 2012 Kolektif Individual Jumlah Collective Individual Total Kredit konsumsi 48,247 6,715 54,962 Consumer loans Modal kerja 2,808 28,760 31,568 Working capital loans Investasi 7,224 15,500 22,724 Investment loans Jumlah 58,279 50,975 109,254 Total Dikurangi: Cadangan Less: Allowance for kerugian penurunan nilai 35,454 impairment losses 73,800